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Cogent Financial Solutions Corp.
Charting A Course ToHomeownership
Cogent Financial Solutions Corp.9030 Red Branch Road, Suite 150Columbia, Maryland 21045-2016(866) 3COGENT© 2002 In Charge Institute of America, Inc. andCogent Financial Solutions Corp. All Rights Reserved
 
 
 
i
 Table of Contents
Preface..................................................................................iii  Chapter 1: Is Homeownership For You?...............................1 
Owning a home is not for everyone. Whether it's a good choice or badchoice for you will depend on your personal desires, future plans, andgeneral financial position.
Chapter 2: Review Your Credit Report………………………5
 Your credit history matters! See how your credit history affects the homeloan process and learn what you can do to make your credit report look its best.
Chaper 3: Establish A Spending Plan and Set-AsideReserves………………………………………………………13
Learn how to analyze your household spending and saving patterns; learnthe basic steps to developing and following sound spending and saving plans.
Chapter 4: How Much Home Can I Afford………………..25
Before you shop for a home, take time to calculate the maximum amountyou should spend and how much you'll pay each month. Also, take agood look at the additional costs involved in purchasing a home.
Chapter 5: What Kind of Help Is Available For A New Homebuyer?.........................................................................35 
 You're not alone. There are many sources of general information anddirect assistance available for the new or low-to moderate incomehomebuyer. With the right help, you may be able to buy your dreamhome with very little money down.
Chapter 6: Home Selection.................................................43 
 What you want and what you need may not be the same when it comesto buying a home. Once you learn to distinguish wants from needs,you'll be equipped to assess each home you view according to how wellit meets your real needs and satisfies your wants.

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